How much can I borrow?

The exact amount you can borrow is determined by your income, financial obligations, and the property’s value. Under ‘Calculate,’ you can use our tools to quickly estimate how much you can borrow.

In which regions does De Financiële Alliantie operate?

De Financiële Alliantie has years of experience with mortgages, allowing us to provide reliable, honest, and independent advice. This can be done not only at our office in Zwolle, but also online or at your kitchen table anywhere in the Netherlands.

Is De Financiële Alliantie independent?

A clear YES: completely independent! We provide fully independent mortgage advice. We receive no compensation from any lender; instead, our clients cover our fees. This allows us to offer all possible lenders. Together, we’ll find the best provider with the best terms and the lowest rate!

Does the 30% tax ruling increase my mortgage?

It can. Some lenders take the 30% ruling into account, which may increase your borrowing capacity. Whether it truly benefits you depends on your personal situation and future plans.

Can I use savings from abroad?

Yes. Foreign savings are accepted, as long as the origin of the funds is clear and traceable. Banks may ask for bank statements and proof of origin.

How much savings do I need as an expat?

In addition to the purchase price, you typically need around 4–6% of the property value for buyer’s costs. This amount cannot always be included in the mortgage.

Home » Mortgage and interest » Dutch mortgage lenders explained and compared

Dutch mortgage lenders explained and compared

Finding the right mortgage lender in the Netherlands can be confusing (especially if you’re an expat). Interest rates change daily, lending criteria differ per bank, and what works for one buyer may be rejected for another. That’s why independent comparison is essential.

At De Financiële Alliantie, we are a fully independent mortgage advisory firm. We are not tied to any bank or lender. We work with over 40 Dutch mortgage providers. But most importantly, we work for you. Together, we select the lender that truly fits your situation, not just the one with the lowest headline rate.

Check our partners

Our Partners! The widest range of mortgages and insurance. Settled well together.

More info

Why comparing mortgage lenders matters for expats

Dutch mortgage lenders all operate under the same national rules — but their internal policies differ significantly. For expats, this can make a big difference.

Some lenders are:

More flexible with temporary contracts
Faster in processing applications
More open to international career paths
Stricter (or more flexible) with residence permits
Better suited for self-employed expats

This means there is no single “best bank” for expats. The right lender depends on your income structure, contract type, timeline and future plans.

Banks, insurers and mortgage platforms. What’s the difference?

In the Netherlands, mortgages are offered by different types of providers:

Major banks such as ING, Rabobank and ABN AMRO
Mortgage platforms (regiepartijen) like MUNT Hypotheken or Vista
Insurers such as ASR, Nationale-Nederlanden and Aegon
Specialist lenders focusing on niche situations

They all offer mortgages but differ in:

Interest rate structure
Approval speed
Flexibility during relocation
Repayment options
Portability when moving homes

We explain these differences clearly during our consultation, so you understand why a certain lender fits your situation.

Which mortgage lenders are best for expats?

This is one of the most common questions we get and the honest answer is:
it depends.

Bunq, ING and ABN AMRO are often considered the top three mortgage lenders for expats in the Netherlands. The best lender for you depends on:

Your employment contract
Your residence status
How long you plan to stay in the Netherlands
How fast you need approval
Whether flexibility matters more than the lowest rate

An experienced advisor knows which lenders are currently:

Fastest
Most flexible
Most suitable for expats

That knowledge can prevent delays or rejections.

Schedule a meeting

Want to learn More about the lenders?

Curious to find out which mortgage provider is the best match for your situation? Or want to understand the difference between a bank, an insurer, or a lending platform (“regiepartij”)? We’re happy to explain it all to you in a free orientation meeting.

Make an appointment

Settle well together.

Rated 9.9 by our clients
Transparent and independent advice
Personal and fast communication
Advisors with years of experience
Experience with expat income & contracts

What customers say about us

With the help of Laurens from De Financiële Alliantie, we were able to arrange the mortgage for our new home in no time. Less than two weeks after the purchase agreement, the mortgage was finalized, thanks to Laurens’s proactive approach. We had great conversations, received excellent advice, and it felt very personal. A huge thank you to De Financiële Alliantie, and especially to Laurens, for all your help! Highly recommended.

Erik en Mirjam via Google.nl on 18-7-2024

Laurens Thunnissen

We were recently very well assisted by De Financiële Alliantie regarding our mortgage application. Mr. Eric Fillet (advisor) helped us navigate the maze of the financial world. We highly recommend Mr. Fillet.

Fam. van der Heide via Google.nl on 12-7-2024

Eric Fillet

We worked with Magda from De Financiële Alliantie. She really went above and beyond for us. Since my husband is a business owner, there are many rules to navigate when obtaining a mortgage. Thanks to Magda’s perseverance, clear explanations, and determination, we were able to secure the mortgage we wanted. Additionally, she is very pleasant to work with.

Ida Hoekstra via Google.nl on 12-7-2024

Magda van Veen

We received excellent assistance from Robin once again. He takes the time for you and always answers his phone. Communication is quick, and the advice is professional.

Wessel Idzerda via Google.nl on 11-7-2024

Robin van Dam

Having used the services of DFA three times, they have consistently provided the best advice tailored to our needs! They are very committed and prefer short, personal communication. If you need financial advice, I highly recommend DFA! (In our case, for a mortgage.)